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Unfortunately,our dog contracted Lyme disease last year. But, fortunately we were wise enough to switch and go with Trupanion before this happened. After leaving another carrier who was more trouble that it was worth, my husband and I agreed we would try and find one that was for sole-y more-so for Illness and ER. The annual costs incurred with owning a pet, we were good for. It was the emergencies and illnesses we were more concerned with. For the most part, whatever funds you put into this towards the insurance is so much less than if the dog were to have to undergo a serious event. That is where the payoff comes into play. And not to forget to mention so far they have paid what they said they would. Worht EVERY dollar invested. ($ amt shown below is over the course of this illness)

I have had ASPCA plans on two dogs for about a year. They have had exclusions for every illness or injury claim I have submitted. A complete waste of money. Shopping for something better. You would think that an organization like the ASPCA would offer a better product.

We just had our puppy spayed, and the same day we faxed the claim to Embrace we had a reply via email. Within a week or so we had a reimbursement check, as we have the Wellness plan. I could not be more pleased so far, we've had excellent, prompt communication and fast payment. And now that our puppy has been spayed and microchipped our monthly premiums are just over $3 less.

The level of customer service and the speed of reimbursements has been stellar. I especially love the way they always ask you to give your dog belly rubs from them. :-) I'd recommend Embrace to anyone.

We have had Embrace Pet Insurance for about 8 months and our little Naia has had some issues. Not every claim has resulted in a reimbursement but even when our claim has been denied we have been satisfied because of quick and effective communication. When our most recent claim was filed, we were reimbursed immediately and without any hassle. Embrace has been outstanding and treats our pet and us with great respect and caring.

I previously owned 2 cats and 1 dog. Our cats were 13 and 18 when they passed. Our dog, 14 yrs and we lost her this year. My husband and I decided to adopt cats and we ended up with three from the shelter. They are a delight, but we wanted to make sure they were covered with insurance. Our previous pets werent. We are glad we have decided to go with ASPCA for our insurance after reviewing the others that are out there.

A little over a month ago, my 9 month old German Shepherd puppy was attacked by another dog. After emergency surgery and drainage tubes, he had to go back to the vet three times for popped stitches. A few weeks later the wound was still not healing properly and they decided to do a bacterial culture to figure out what the problem was. We found out that my dog had contracted a methicillin resistant bacteria that was not responding to treatment. Our choices were few: 1) an injection I would have to give him twice a day that could cause his kidneys to shut down or 2) pills we would have to give him that are toxic to humans and could cause my own bone marrow to stop producing red blood cells. After thinking about our options, we decided to get a second opinion from UC Davis Veterinary Teaching Hospital. UC Davis world reknowned for having incredible veterinary care. After biopsies, blood work, and cultures they helped us make a decision on which antibiotic to give my Ben. Within 48 hours of starting this medication his wound had closed. The infection was very deep (only about 1.5mm away from his bone) so he will need to remain on antibiotics for another 2 months, but he is back to being a puppy again. I cannot stress to you how incredibly fortunate we were to have Trupanion insurance and not have to make medical decisions based on how much everything cost. There were times in the last few months where I was submitting insurance claims DAILY. Trupanion always responded

A little over a month ago, my 9 month old German Shepherd puppy was attacked by another dog. After emergency surgery and drainage tubes, he had to go back to the vet three times for popped stitches. A few weeks later the wound was still not healing properly and they decided to do a bacterial culture to figure out what the problem was. We found out that my dog had contracted a methicillin resistant bacteria that was not responding to treatment. Our choices were few: 1) an injection I would have to give him twice a day that could cause his kidneys to shut down or 2) pills we would have to give him that are toxic to humans and could cause my own bone marrow to stop producing red blood cells. After thinking about our options, we decided to get a second opinion from UC Davis Veterinary Teaching Hospital. UC Davis world reknowned for having incredible veterinary care. After biopsies, blood work, and cultures they helped us make a decision on which antibiotic to give my Ben. Within 48 hours of starting this medication his wound had closed. The infection was very deep (only about 1.5mm away from his bone) so he will need to remain on antibiotics for another 2 months, but he is back to being a puppy again. I cannot stress to you how incredibly fortunate we were to have Trupanion insurance and not have to make medical decisions based on how much everything cost. There were times in the last few months where I was submitting insurance claims DAILY. Trupanion always responded

We have two animals, a dog (mini Schnauzer) and a cat. For years we have gone through half a dozen of the preferred pet insurance companies, each one worse than the one before. Our last nightmare was with VPI, purportedly a "great" pet insurer, if you have been with them, as we were, you would think differently - HORRID (in a word). Finally found Healthy Paws through a friend, and we are DELIGHTED by this organization. Not only do they quickly process claims, but they are honest, based their business on integrity and equally, if not even more important is that they contribute to rescue animals. So, this organization is not only a GREAT insurance company, they care. Don't waste your time, energy and MONEY by going to every other pet insurer that is out there, we've done that and they are almost all garbage. This company is the real deal; no games, no lies, no loopholes...just an honest company that cares about animals (yours, mine and everyone's). Get this coverage today! You will NOT regret it, we don't!!

I adopted my dog Bene' two and half years ago from a shelter. She has filled my life with so much unconditional love I can't imagine her not in it. I got insurance for her immediately knowing the routine veterinary expenses can be costly. In August of this year, I adopted a kitten from a (what I found out afterwards to be) unreputable shelter. She came without being spayed and infested with ringworm. Both Bene' and I caught the ringworm as well. The kitten had to be quarantined for 3 months in my back bathroom. Some $3,000 later between vet, meds for Bene' and BooKaay compounded with Dermatologist and meds for me we all survived this ordeal. Thank goodness I had health insurance on Bene' at the time it eased some of the financial burden. I also have a policy on my kitten to cover her expenses with the vet etc. I would say overall the policy coverages are fair to good. The customer support people are wonderful and helpful. My only concern is what Hartville considers "fair and allowable". The vet expenses are somewhat higher here where I live versus somewhere else in the country. I feel that they should take less of a harder line with pet issues and related expenses than is now in place. Bene' was diagnosed with a luxating pitella at about 10 month old. I filed a claim only to be denied saying it was a congenital conditon that is not covered. My vet said that it was not the case. We both appealed the claim only to be told Hartville would not cover the expenses which